I also see a level of shadow inventory that must eventually go through, slowly or dumped, but either way, the absorption of such inventory will create price drops, not increases, regardless of how small or large.I can not speak for the entire country and I agree with you 100% that studies are only worth the data going in, many of which are scewed by whichever motives.I can tell you for sure that the bottom of the So CAl market did ot hit 18 months ago nor did it 6 months ago.

Cell phone company, Cable, Electric?

Many 401k plans allow you to borrow up to 50% or $50k of the vested balance, whichever is less. 

Get a pen and a piece of paper (or a notepad editor on cellphone, computer).3.

I’m spending $350/mo ($200 Mojo, $50 second cell phone, $100 PropStream) right now trying to wholesale.

How did the accident happen was someone on a cell phone, reading a newspaper, etc.?

My thinking is it's like the cell phone, the technology just keeps getting smarter and smarter, so eventually will all those that have adjusted to technology want to carry it on to their kitchens?  

As to cell phones, keep the batteries charged!

Construction loan value to be 100% (yes i said 100% ) of cost, or 80% of value, which ever is less.  

Get a Google Voice #: You don't want people calling your cell phone so it's better to have a Google voice.